乐信2023年度报告

UNITEDSTATES SECURITIESANDEXCHANGECOMMISSION Washington,D.C.20549 Form20-F (MarkOne) ☐REGISTRATIONSTATEMENTPURSUANTTOSECTION12(b)OR12(g)OFTHESECURITIESEXCHANGEACTOF1934 or ☐ANNUALREPORTPURSUANTTOSECTION13OR15(d)OFTHESECURITIESEXCHANGEACTOF1934ForthefiscalyearendedDecember31,2023. or ☐TRANSITIONREPORTPURSUANTTOSECTION13OR15(d)OFTHESECURITIESEXCHANGEACTOF1934 Forthetransitionperiodfromto or ☐SHELLCOMPANYREPORTPURSUANTTOSECTION13OR15(d)OFTHESECURITIESEXCHANGEACTOF1934 Dateofeventrequiringthisshellcompanyreport: Commissionfilenumber:001-38328 LexinFintechHoldingsLtd. (Exactnameofregistrantasspecifiedinitscharter) N/A (TranslationofRegistrant’snameintoEnglish) CaymanIslands (Jurisdictionofincorporationororganization) 27/FCESTower No.3099KeyuanSouthRoadNanshanDistrict,Shenzhen518057ThePeople’sRepublicofChina (Addressofprincipalexecutiveoffices) JamesXiguiZheng,ChiefFinancialOfficerTelephone:+8675536378888 Email:IR@lexin.com27/FCESTower No.3099KeyuanSouthRoadNanshanDistrict,Shenzhen518057ThePeople’sRepublicofChina (Name,Telephone,Emailand/orFacsimilenumberandAddressofCompanyContactPerson)SecuritiesregisteredortoberegisteredpursuanttoSection12(b)oftheAct: TitleofEachClassTradingNameofEachExchangeon Americandepositaryshares(oneAmericandepositarysharerepresentingtwoClassAordinaryshares,parvalueUS$0.0001pershare) Symbol(s)WhichRegistered LXTheNasdaqStockMarket LLC (TheNasdaqGlobalSelectMarket) ClassAordinaryshares,parvalueUS$0.0001pershare*TheNasdaqStockMarketLLC (TheNasdaqGlobalSelectMarket) *Notfortrading,butonlyinconnectionwiththelistingonTheNasdaqGlobalSelectMarketofAmericandepositaryshares.SecuritiesregisteredortoberegisteredpursuanttoSection12(g)oftheAct: None (TitleofClass) SecuritiesforwhichthereisareportingobligationpursuanttoSection15(d)oftheAct. None (TitleofClass) IndicatethenumberofoutstandingsharesofeachoftheIssuer’sclassesofcapitalorcommonstockasofthecloseoftheperiodcoveredbytheannualreport. AsofDecember31,2023,therewere328,260,411ordinarysharesissuedandoutstanding,consistingof256,918,184ClassAordinaryshares(excludingthe8,266,592ClassAordinarysharesissuedtothedepositarybankforbulkissuanceofADSsreservedforfutureissuancesuponthe exerciseorvestingofawardsgrantedunderourshareincentiveplans),parvalueUS$0.0001pershare,and71,342,227ClassBordinaryshares,parvalueUS$0.0001pershare. Indicatebycheckmarkiftheregistrantisawell-knownseasonedissuer,asdefinedinRule405oftheSecuritiesAct. ☐Yes☐No Ifthisreportisanannualortransitionreport,indicatebycheckmarkiftheregistrantisnotrequiredtofilereportspursuanttoSection13or15(d)oftheSecuritiesExchangeActof1934. ☐Yes☐No Note—CheckingtheboxabovewillnotrelieveanyregistrantrequiredtofilereportspursuanttoSection13or15(d)oftheSecuritiesExchangeActof1934fromtheirobligationsunderthoseSections. Indicatebycheckmarkwhethertheregistrant:(1)hasfiledallreportsrequiredtobefiledbySection13or15(d)oftheSecuritiesExchangeActof1934duringthepreceding12months(orforsuchshorterperiodthattheregistrantwasrequiredtofilesuchreports),and(2)hasbeensubjecttosuchfilingrequirementsforthepast90days. ☐Yes☐No IndicatebycheckmarkwhethertheregistranthassubmittedelectronicallyeveryInteractiveDataFilerequiredtobesubmittedpursuanttoRule405ofRegulationS-T(§232.405ofthischapter)duringthepreceding12months(orforsuchshorterperiodthattheregistrantwasrequiredtosubmitsuchfiles). ☐Yes☐No Indicatebycheckmarkwhethertheregistrantisalargeacceleratedfiler,anacceleratedfiler,anon-acceleratedfiler,oranemerginggrowthcompany.Seethedefinitionsof“largeacceleratedfiler,”“acceleratedfiler,”and“emerginggrowthcompany”inRule12b-2oftheExchangeAct. Largeacceleratedfiler☐Acceleratedfiler☐Non-acceleratedfiler☐Emerginggrowthcompany☐ IfanemerginggrowthcompanythatpreparesitsfinancialstatementsinaccordancewithU.S.GAAP,indicatebycheckmarkiftheregistranthaselectednottousetheextendedtransitionperiodforcomplyingwithanyneworrevisedfinancialaccountingstandards†providedpursuanttoSection13(a)oftheExchangeAct.☐ †Theterm“neworrevisedfinancialaccountingstandard”referstoanyupdateissuedbytheFinancialAccountingStandardsBoardtoitsAccountingStandardsCodificationafterApril5,2012. Indicatebycheckmarkwhethertheregistranthasfiledareportonandattestationtoitsmanagement’sassessmentoftheeffectivenessofitsinternalcontroloverfinancialreportingunderSection404(b)oftheSarbanes-OxleyAct(15U.S.C.7262(b))bytheregisteredpublicaccountingfirmthatpreparedorissueditsauditreport.☐ IfsecuritiesareregisteredpursuanttoSection12(b)oftheAct,indicatebycheckmarkwhetherthefinancialstatementsoftheregistrantincludedinthefilingreflectthecorrectionofanerrortopreviouslyissuedfinancialstatements.☐ Indicatebycheckmarkwhetheranyofthoseerrorcorrectionsarerestatementsthatrequiredarecoveryanalysisofincentive-basedcompensationreceivedbyanyoftheregistrant’sexecutiveofficersduringtherelevantrecoveryperiodpursuantto§240.10D-1(b).☐ Indicatebycheckmarkwhichbasisofaccountingtheregistranthasusedtopreparethefinancialstatementsincludedinthisfiling: U.S.GAAP☐InternationalFinancialReportingStandardsasiss